• Auto Insurance Claims: When an Attorney is Necessary

    Most of the time, auto insurance claims are something most of us would rather not have to experience. Even under the best of circumstances, filing a car insurance claim can be somewhat bothersome and frustrating. However, when a car insurance company refuses to pay a claim or makes an unreasonable offer, a frustrating experience can quickly become a nightmare.

    While many people are quite capable of taking on the insurance company themselves, there are times when a car insurance company ceases to be reasonable at all and makes collecting on or even filing a claim difficult at best. So, there are many times that you will definitely want to consider consulting an attorney about an auto insurance claim. Here is a list of instances you should weigh when seeking an attorney to help you file your claim:

    When Accident Fault is Contested

    If you’re involved in an accident where it is difficult to prove who is at fault, you should definitely consider consulting an attorney. If you are unable to prove that the other driver caused the accident, the other driver’s insurance company will almost always deny your claim. This is a very common tactic used by many car insurance companies and you will need the assistance of a qualified attorney to help fight the company’s decision in court.

    When Out of Pocket Expenses are Considerable

    Many times, you may be willing to simply accept an insurance company offer if out-of-pocket expenses are not too much. However, if you’re involved in an accident and out-of-pocket expenses for lost income and medical expenses begin to go into the thousands of dollars, you will need the help of a qualified insurance attorney to help you recoup those costs. The car insurance company certainly won’t offer to pay them without a reason to do so.

    When You are Seriously Injured

    If you are seriously injured in a car accident, you should always seek the advice of an attorney. Back injuries and broken bones may seem to heal rather quickly, but they can cause problems for years to come. In some cases, injuries can affect you for life.

    Even if you’re seriously injured, the car insurance company will only offer just enough to pay for any medical expenses or treatments you have already had. The insurance company will almost never consider future costs or loss of income. A qualified insurance attorney can help you make sure that you are adequately compensated for reasonable expenses and loss of income that have not been anticipated.

    When You are Going to Court

    If you challenge the offer or settlement made by a car insurance company, you may have already agreed to arbitration, mediation or even filed a civil lawsuit. You should never seriously consider these types of actions without a qualified attorney present. Regardless of the time you invest in studying the law, regulations and procedures used in these types of proceedings, the insurance company will have plenty of qualified lawyers to take advantage of any mistakes you may make. Never represent yourself and always take a qualified attorney along with you.